best way to fight bank of america overdraft fees?

Question

some of them are rediculous. like 3 in the same day at the tune of 35 dollars each.

Have you ever won a fight liek that with a bank?
How did you win?
Phone or email.
If you threatened to switch banks, how did you go about that?

Answer 1

Gorilla warfare. Tell them that you are going to go to a PAY PHONE and call their 1-800 number 300 times. It costs them 1$ minimum per call. Also tell them that you will inform 100 other people and they in turn will inform 100 people themselves.

Answer 2

How To Fight Overdraft Fees

Answer 3

If you're at fault (floating checks before payday, for example) then there's nothing you can do--you should know better! If you had an automatic payment plan set up (for your car insurance, for example) and the insurance company withdrew the money early or took out too much, then you need to contact the insurance company to dispute it and get your overdraft fees back.

You could also set up overdraft protection either by applying for it or having your savings account linked to your checking. There's still an overdraft fee of $10.00 per transaction, but at least your checks will be paid, and you won't owe the business where you wrote the check their bad check fee, too.

As a last resort, you can call 888-717-3999 (BofA's customer solutions dept.)

Answer 4

I've had that happen before but I was unable to take any recourse because the overdrafts were due to my own inability to keep up with my debit card transactions.

If it isn't not a bank error, banks generally will not credit you back those fees.

My fiance belongs to a credit union. They credited him back his overdraft fees after he apologized for the oversights that caused them. Credit unions are a bit more understanding.

I would hang up the towel and learn from it unless it was their error.

Answer 5

Are they valid?
If not you just call the bank and keep going up until you get someone who can fix them.

If they are and you just want them back (I understand, they do manipulate their system sometimes to get as much as possible), then your best bet is to be sweet and nice. Ask if there is anything they can do. Explain things just got out of hand with your finances-it happens. Be honest (assuming the honest reason is good).

Answer 6

Maybe you should stop writing checks for money you don't have?

If you have a history of overdrafts, then you are going to have a tough time getting them to back down. The idea of high fees is to discourage people from writing checks with having funds to cover them.

If you are going to fight them you can do it over the phone but you'll just get stock answers. Do it in writing - not email but a standard letter and sent it registered mail so you have proof they got it.

Never threaten to switch banks, because unless you have a big account (which obviously you don't) it won't mean much - just go ahead and move your accounts. But be aware - your "history" of overdrafts can preceed you.

Answer 7

I won alright. I declared bankruptcy. That was the end of it right there. I am through using credit cards. I use a debit card. I will not be the Bank of America's slave.

Answer 8

Threatening to switch banks.... well they will probably be happy you did. Why are you overdrafting? Writing bad checks is against the law. You are taking out a loan without their approval. You think you can do that for free?